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Chase account

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13

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  • MichaelAP
    MichaelAP Posts: 128 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Sensory said:
    It's not your disability that's preventing you from obtaining photo ID; it's simply your choice to not obtain them.

    I can't drive and haven't travelled internationally for over a decade, yet I still keep my provisional driving licence and passport valid. I obtained both purely for the purposes of identification, because the UK lacks national ID cards.
    I am not allowed to hold either a full or provisional driving license due to my disability.
    Granted I could apply for a passport but why when there are other official methods already available which I use.

  • masonic
    masonic Posts: 27,169 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    MichaelAP said:
    Sensory said:
    It's not your disability that's preventing you from obtaining photo ID; it's simply your choice to not obtain them.

    I can't drive and haven't travelled internationally for over a decade, yet I still keep my provisional driving licence and passport valid. I obtained both purely for the purposes of identification, because the UK lacks national ID cards.
    I am not allowed to hold either a full or provisional driving license due to my disability.
    Granted I could apply for a passport but why when there are other official methods already available which I use.
    Which other official forms of photo ID are there? We might be getting council issued photo ID for voting soon, but until then I'm only aware of passport and driving licence photocard.
  • MichaelAP
    MichaelAP Posts: 128 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    masonic said:
    Which other official forms of photo ID are there? We might be getting council issued photo ID for voting soon, but until then I'm only aware of passport and driving licence photocard.

    Examples of acceptable photographic ID are:

    • Photocard Driving Licence (an expired photocard does NOT invalidate the licence)
    • A valid passport
    • An expired passport
    • Formal ID Cards (armed forces, police, student union, company ID card)
    • Tachograph Card
    • Local Authority/Taxi ID
    • Blue Badge (parking for people with disabilities)
    • Firearms Certificate/Shotgun Licence
  • masonic
    masonic Posts: 27,169 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    edited 23 June 2022 at 5:20PM
    MichaelAP said:
    masonic said:
    Which other official forms of photo ID are there? We might be getting council issued photo ID for voting soon, but until then I'm only aware of passport and driving licence photocard.

    Examples of acceptable photographic ID are:

    • Photocard Driving Licence (an expired photocard does NOT invalidate the licence)
    • A valid passport
    • An expired passport
    • Formal ID Cards (armed forces, police, student union, company ID card)
    • Tachograph Card
    • Local Authority/Taxi ID
    • Blue Badge (parking for people with disabilities)
    • Firearms Certificate/Shotgun Licence
    For a current account?
    I'm very surprised that any bank would accept a company ID card as proof of identity for any purpose.
  • MichaelAP
    MichaelAP Posts: 128 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    masonic said:
    For a current account?
    I'm very surprised that any bank would accept a company ID card as proof of identity for any purpose.
    I found this link online:- https://www.finder.com/uk/how-to-open-a-bank-account-without-id-in-the-uk
  • Matt1510
    Matt1510 Posts: 33 Forumite
    10 Posts Name Dropper
    MichaelAP said:
    phillw said:
    MichaelAP said:
    Why should I have to accept rules are rules and I must move on when there are equally other means of identification available?
    You don't have to accept any rules, as you say you can just not open an account with them.

    Chase keeps their costs down and passes the savings on to people who are willing to accept them.

    I'm sure you'll be happy with Marcus.
    I agree entirely with you, I do not have to accept any rules from Chase if not happy…. I was merely replying back to Matt1510 who told me to accept the rules from Chase.
    My question though remains; why must Chase adopt a limited photo identity process when there are other methods using photo identity? 
    It is not so much a case of disrespect of the rules but a simple question in why are they limited when those with a disability cannot meet Chase requirements.
    I certainly haven't told you that you have to accept any rules, I did say you have to abide with rules if you really do want something.
    Chase is available for yourself, as mentioned by board member Sensory, its possible for you to obtain a passport in order to obtain a Chase account, I certainly do know that the vast majority on this forum who say they're unable to obtain a Chase account, actually can obtain an account if they took an 'extra step' be it a compatible phone or passport, they don't take the view that "I don't have the credentials to verify the necessary ID" and move on. They simply come on here and moan, moan, wail, wail, life is so unfair blah blah blah. 
    I do feel there's perhaps misplaced anger on your part MichaelAP. Why not contact your MP, explain your feelings, ask if he/she can help.
  • masonic
    masonic Posts: 27,169 Forumite
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    edited 23 June 2022 at 5:18PM
    MichaelAP said:
    masonic said:
    For a current account?
    I'm very surprised that any bank would accept a company ID card as proof of identity for any purpose.
    I found this link online:- https://www.finder.com/uk/how-to-open-a-bank-account-without-id-in-the-uk
    That site paints a picture that it is actually quite uncommon for banks to accept other documents, with exceptions being made in special circumstances only by one or two banks (e.g. homeless people, asylum seekers, care home residents, and mostly around proof of address). The other option offered by a few is to interview you in branch, together with the use of other documents. Certainly some of the information on that site is misleading or incorrect as Starling do require passport or driving licence, just like Chase. App-only banks with no branch network are obviously at some disadvantage when it comes to carrying out due diligence such as a face to face interview. I remember First Direct at one point was trying to interview applicants over video link, but I don't think it was very successful.
  • Sensory
    Sensory Posts: 497 Forumite
    Part of the Furniture 100 Posts Name Dropper
    MichaelAP said:
    Sensory said:
    It's not your disability that's preventing you from obtaining photo ID; it's simply your choice to not obtain them.

    I can't drive and haven't travelled internationally for over a decade, yet I still keep my provisional driving licence and passport valid. I obtained both purely for the purposes of identification, because the UK lacks national ID cards.
    I am not allowed to hold either a full or provisional driving license due to my disability.
    Granted I could apply for a passport but why when there are other official methods already available which I use.

    It's only the passport that is truly the gold standard accepted everywhere, which is why I have one and keep it valid regardless of my travel plans. It is the de facto national ID for the UK, and as a holder of a national ID card of another country, it's perplexing to me why citizens of the UK refuse to obtain one, and why I'm all in favour of voter ID being introduced if it's cheaper or free (I don't care about the alleged benefits of protecting against voting fraud).

    Businesses must follow the law, and if they can't do so with your alternative methods of ID, they will not accept it.
  • MichaelAP
    MichaelAP Posts: 128 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Thank you everyone….. My Blue Badge with Photo ID has helped on other occasions, normally with a proof of address.
    I’m good and very happy with all who have a Chase account and have no issues with the ruling system.
    Such a shame the Blue Badge is not accepted.
  • Rollinghome
    Rollinghome Posts: 2,729 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    MichaelAP said:
    Thank you everyone….. My Blue Badge with Photo ID has helped on other occasions, normally with a proof of address.
    I’m good and very happy with all who have a Chase account and have no issues with the ruling system.
    Such a shame the Blue Badge is not accepted.
    Good for you Michael, for highlighting a problem that people with a disability may have when seeking to open a bank account. 

    I'm lucky to be still pretty fit despite the passing of the years, but don't take it for granted. Any one of us can be left with a disability at any time in our lives, so it's in the interest of us all to ensure that there is access for all to all the facilities and services enjoyed by the fully able-bodied.  We've come a long way in just the last 40 years or so, but as you point out, there is still a way to go and problems that need a solution.

    So perhaps you could find time to write to the Chase CEO, politely pointing out the problem and asking if a solution could be found. Perhaps write to your MP, as suggested above too, and encourage friends in local support groups to do the same.  Problems never get resolved unless brought to the attention of those who can provide a solution.  Good luck!

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